Hi Jack. I don't have the answer to your question as its not my area of expertise, but I thought I'd reply to you because I'm the person most active on this forum.
If you are an NJREA member, feel free to give NJEA HQ a call and ask. You could also try a Google search or call the NJ Division of Pensions and Benefits (be ready for extended hold times though).
I hope this helps. Good luck!
UniServ Field Representative ~ Membership & Organizational Development
New Jersey Education Association
180 West State Street
Post Office Box 1211
Trenton, NJ 08607-1211
609-599-4561 ext. 2236http://www.facebook.com/NJEAPRIDE